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Home Credit 101 | Sarah Raja
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Sarah Raja

Sarah's top posts
How to identify credit repair scams
Credit 101
How to identify credit repair scams

May 19, 2025
What is a credit lawyer and how can they help me?
Credit 101
What is a credit lawyer and how can they help me?

May 05, 2025
Debt collection scams: How to detect and stop them
Credit 101
Debt collection scams: How to detect and stop them

July 08, 2024
All of Sarah's posts
How to identify credit repair scams
Credit 101
How to identify credit repair scams

We created this guide to help you tell the difference between legitimate credit repair companies and credit repair scams.

Sarah Raja

May 19, 2025
What is a credit lawyer and how can they help me?
Credit 101
What is a credit lawyer and how can they help me?

A credit lawyer helps you repair credit by using their legal expertise. Learn how they work and what they can do for you.

Sarah Raja

May 05, 2025
Debt collection scams: How to detect and stop them
Credit 101
Debt collection scams: How to detect and stop them

Debt collection scams occur when bad actors trick people into paying a nonexistent debt. This guide will examine these scams and share a few safety tips.

Sarah Raja

July 08, 2024
How much does being an authorized user affect your credit?
Credit 101
How much does being an authorized user affect your credit?

How much does being an authorized user affect your credit? Learn how to build credit as an authorized user and maximize the benefits.

Sarah Raja

April 23, 2024
When should I pay my credit card bill?
Credit 101
When should I pay my credit card bill?

According to FICO®, payment history makes up 35 percent of your credit score. Learn when you should make payments and how to maximize your card’s grace period.

Sarah Raja

March 27, 2024
What’s a good credit score? A guide to credit score ranges
Credit 101
What’s a good credit score? A guide to credit score ranges

The typical credit score range is between 300 and 850, and the range is broken down into poor, fair, good, very good and exceptional scores.

Sarah Raja

February 26, 2024
VantageScore vs. FICO score: How are they different?
Credit 101
VantageScore vs. FICO score: How are they different?

When comparing VantageScore vs. FICO scores, you’ll notice many differences. For example, each model uses slightly different factors to determine scores.

Sarah Raja

February 08, 2024
What is credit mix and how much does it impact credit?
Credit 101
What is credit mix and how much does it impact credit?

Credit mix refers to the different types of credit accounts a person has open at any given time. Managing a range of accounts can improve your credit.

Sarah Raja

February 05, 2024
Does getting denied for a credit card hurt your credit score?
Credit 101
Does getting denied for a credit card hurt your credit score?

Although getting denied on a credit card application doesn’t impact your score, the hard inquiry from applying may temporarily hurt your credit.

Sarah Raja

January 18, 2024
How to build credit with rent payments
Credit 101
How to build credit with rent payments

Build credit with rent payments by choosing the best rent reporting service for you. Explore your rent payment options here.

Sarah Raja

September 06, 2023